Harrison Smith is a financial advisor with LPL Financial in Salt Lake City, UT, holding a Series 66 credential and possessing six years of industry experience. His background includes roles at Zions Bank, LPL Financial, Zions Direct, and Wells Fargo Clearing. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, including discretionary and non-discretionary management, supported by research and model portfolios.

Jennifer Shadel is a financial advisor at Fidelity with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity Brokerage Services since 2018, joining Fidelity Investments in 2025. Fidelity's Strategic Advisers LLC, where she is employed, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative and algorithmic portfolio construction, managing portfolios through systematic methodologies and long-term asset allocation benchmarks.

Randal Higginson is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

Kevin Townsend is a CFP®-certified financial advisor with Raymond James & Associates, bringing 29 years of industry experience. His career includes 21 years at Merrill Lynch and 12 years at Bank of America before joining Raymond James in 2021. He is based in Salt Lake City, UT. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning and consulting with a primarily non-discretionary approach supported by various portfolio management styles and affiliated research.

Jack Watkins is a financial advisor at RBC Capital Markets with 42 years of industry experience. He has been with RBC Capital Markets Corporation since 2008 and holds Series 63 and Series 65 credentials. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Christopher Ahearn is a financial advisor with Wells Fargo Advisors in Salt Lake City, UT, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and integrates advisory services with other financial products, delivering tailored recommendations through meetings and written summaries.

Trenton Christensen is a CFP® with 20 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he holds a 50% ownership in DEE-WADE PROPERTIES LLC, a real estate holding company. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Brendan Carroll is a financial advisor with Fidelity in Salt Lake City, holding Series 63 and Series 66 licenses and two years of industry experience. His work background includes roles at Fidelity Investments and prior employment in various sectors, including the University of Utah International Office of Admissions and Hanaya Poke. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional investors, including discretionary and non-discretionary portfolio management and fund advisory. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad investable universe.

Jordan Gerlach is a financial advisor at Morgan Stanley in Salt Lake City, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, he worked at Goldman Sachs and held roles at several other organizations including Prince Perelson and PNC Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools.

Thomas Lowell is a financial advisor at UBS Financial Services with 13 years of industry experience. He previously worked at Fidelity Brokerage Services for ten years and Morgan Stanley for one year. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

David North is a financial advisor with Fidelity in Salt Lake City, UT, holding Series 63 and Series 66 credentials and having seven years of industry experience. His prior roles include positions at Fidelity Brokerage Services, LLC and involvement with companies such as Lyft, Uber, and the Corporation of the Presiding Bishopric. Outside of his advisory work, he is a partner in a vending machine operation. David is part of Strategic Advisers LLC, a Fidelity Investments company that serves retail and institutional clients through discretionary portfolio management, advisory services, and model portfolio delivery. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage investments.

Riel Desaulniers is a financial advisor at Morgan Stanley in Salt Lake City, UT, holding a Series 66 designation with three years of industry experience. His prior roles include positions at E*Trade and Acima Credit, as well as work at the University of Utah. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Jeffrey Mann is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity Investments since 2015, initially serving as a Financial Consultant until his current appointment. Prior to joining Fidelity, he worked as a Financial Advisor at Wells Fargo Advisors from 2009 to 2015 and began his career in the financial sector as a Personal Banker at Wells Fargo from 2007 to 2009. In his capacity as a financial consultant, Jeffrey focuses on providing comprehensive wealth planning services. His expertise includes retirement income planning, investment strategy selection, income protection, and facilitating family conversations related to financial matters. These areas form the core of his approach to assisting individuals and families. Outside of his professional responsibilities, Jeffrey enjoys biking, family activities, football, golf, and hiking.

Joseph Munier is a financial advisor with Charles Schwab in North Salt Lake, UT, holding a Series 66 designation and 22 years of industry experience. His prior work history includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, N.A. Munier also has involvement in managing residential rental properties in Las Vegas. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management solutions. The firm combines advisory, brokerage, custody, and cash-sweep services with a multi-asset model portfolio approach and centralized operational support.

Travis Koltermann is a financial advisor at Fidelity with Series 66 and Series 63 licenses and four years of industry experience. He previously worked at Loomis US and has operated a sole proprietorship specializing in irrigation sprinkler repair. Outside of finance, he also works as an independent contractor delivering food through DoorDash. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Jonathan Adams is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2004, concurrently serving with Bank of America, N.A. since 2012. Outside of his advisory role, he is the owner of Beech's Bar A Ranch, a limited liability company involved in horse breeding. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Tomas Cabeza is a financial advisor at Fidelity with five years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing Services LLC. Outside of his advisory role, he participates in the Amazon Vine program, receiving products for evaluation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios that include mutual funds, ETFs, and ETPs.

Blake Swell is a financial advisor with Fidelity in Salt Lake City, UT, holding a Series 66 designation and having eight years of industry experience. He has worked at Fidelity Brokerage Services, LLC since 2017 and joined Fidelity Investments in 2025. Prior to his financial career, he was employed at UPS for 12 years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolios. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction.

Samuel Vetas is a financial advisor with Ameriprise in Salt Lake City, UT, holding Series 63 and Series 66 licenses and having 42 years of industry experience. Prior to joining Ameriprise, he worked at RBC Capital Markets Corporation for ten years. He serves on the Board of Directors of the Utah Film Center. Ameriprise offers a retirement-income planning service targeted at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Robin Heward is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and two years of industry experience. He has been with Wells Fargo Bank, N.A. since 2006 and joined Wells Fargo Clearing in 2023. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.